What Is Accidental Death Insurance and Who Needs It?
Accidental death insurance is one of the simplest and most affordable ways to protect your loved ones from the financial impact of a sudden loss. Unlike traditional life insurance, which covers death from any cause, accidental death insurance pays only if your death is the direct result of a qualifying accident—such as a car crash, fall, or workplace injury.
Because of that narrower coverage scope, premiums are low, and coverage is easy to get—often with no medical exam or health questions required. Policies typically range from $50,000 to $500,000 or more and can be issued in a matter of days.
This type of insurance is ideal for younger adults, commuters, individuals in high-risk occupations, or anyone who wants low-cost supplemental protection. It also works well as a short-term gap policy for those waiting to qualify for traditional life insurance.
At Diversified Insurance Brokers, we help you compare accidental death policies from trusted carriers and match you with a plan that fits your lifestyle, job, and budget.
👉 Visit our About Us page here to learn how we help clients with affordable protection options.
Contact Us Today:
Ready to explore insurance and annuity options that offer guaranteed income, principal protection, disability, life insurance, Social Security and Medicare reviews, and long-term financial growth? Let the expert advisors at Diversified Insurance Brokers help you find the right strategy for your retirement goals.
📞 Call us at 800-533-5969
🔗 Visit our annuity rate page here
📍 Contact Us Page
FAQs: What Is Accidental Death Insurance?
What does accidental death insurance cover?
Accidental death insurance pays a lump-sum benefit if the insured dies as the direct result of a qualifying accident. It is designed to provide fast, straightforward financial protection for families.
Does accidental death insurance cover illness?
No. Accidental death insurance only covers deaths caused by accidental events, not illness, disease, medical conditions, or natural causes.
Is accidental death insurance the same as life insurance?
No. Life insurance covers death from any cause (except specific exclusions). Accidental death insurance only pays if the death is caused by an accident.
How affordable is accidental death insurance?
Accidental death insurance is typically very inexpensive because the coverage is limited to accidents only. Premiums are often a fraction of traditional life insurance costs.
Does accidental death insurance require a medical exam?
No. Most accidental death policies are issued instantly with no medical exam, no health questions, and guaranteed approval.
Are there exclusions?
Yes. Common exclusions include death caused by illness, suicide, drug or alcohol use, hazardous activities, or participation in criminal activity.
Who should consider accidental death insurance?
It’s often used by people who need inexpensive supplemental coverage, those who work in higher-risk environments, or individuals who cannot qualify for traditional life insurance due to health conditions.
Can accidental death insurance be combined with normal life insurance?
Yes. Many people add accidental death coverage to enhance their existing life insurance for extra protection against unexpected events.
Does it pay out for accidental dismemberment?
Some policies include optional AD&D benefits, which pay if the insured loses a limb, eyesight, or other major functions due to an accident.
How quickly do accidental death benefits pay?
These policies typically pay quickly once the accidental cause of death is verified, providing timely support for families.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
